Reviews For Kajabi

kajabi-review

Kajabi was originally an idea by Kenny Reuter, who wanted to start a side-business teaching people how to make toys online. Although he was not that passionate about teaching people online, he was passionate about making it easier for people to sell their knowledge online.

It was easy to see the vision. The Kajabi founders, Kenny Rueter & Travis Rosser, knew that they wanted to help others monetize their knowledge online. They needed a platform that made it easy for entrepreneurs to do this.

If you’re an online course creator, you have probably heard of Kajabi before. It is one of the most widely used online learning platforms. Kajabi has grown to be the online learning platform it is today since its inception in 2010. It has helped thousands of people escape from jobs that don’t suit them anymore and have enabled them to realize their dreams.

This overview will provide a basic understanding of Kajabi. These include marketing, pricing, online course creation, and much more. This will give you a clear idea of the benefits you’ll get if you choose Kajabi.

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For those of you who prefer a more visual experience, here is a video review from Lane Sebring’s YouTube channel. Do check out our article below, however, because it has a comprehensive overview of Kajabi.

General Overview Reviews For Kajabi

Pros

  • A highly integrated platform featuring a lot of built-in tools
  • Intuitive marketing tools that help you promote and sell your products.
  • User-friendly
  • Great customer support
  • Intuitive course builder and highly customizable themes
  • Uses Wistia as a video host

Cons

  • Kajabi pricing is higher than average prices
  • Users cannot create custom certificates of completion for students on the platform
  • Assessment customization is limited.

What is Kajabi?

Kajabi is an online platform for creating courses that allow users to manage their businesses from one location. From course creation to marketing and so much more, Kajabi will take care of it for you.

How does Kajabi work?

Kajabi is built to sell. The platform boasts of how easy it is to use. You can start by purchasing a plan. There are three options available: Pro, Growth, or Basic. These options will be discussed later in this review.

Once you have selected a plan, you can easily set up your account and upload your content. Using the lesson editor, you can upload your video lectures and give the lesson description and titles.

Assessments are easily done by typing the questions and giving options (if you have chosen the multiple-choice type ).

Assuming this is all done, you’re now ready to market your products. You can create pipelines in Kajabi. These mechanisms allow you to achieve high conversion rates by turning prospects into potential students by giving efficient marketing funnels. Landing pages can be added, as well as freebies to get leads to submit their email addresses. Video marketing is another option.

Once the prospect is enrolled as a student, payments can be made through the site. All without having to leave Kajabi. Reviews For Kajabi

Kajabi is almost an “all-in” platform. These features will be discussed in the next sections. Kajabi is able to compete with most online courses platforms, thanks to the many features and benefits it provides.

Why choose Kajabi?

You want to maximize your investment as an entrepreneur. Kajabi can help you market valuable content. It includes what you need to jumpstart your business, keep it running and growing.

It’s more than simply uploading course content and waiting for students sign in. You will need to create a course curriculum, set goals and assess your students, make sure your website is attractive to your target audience, and market it. Kajabi allows you to do all of these things and more.

  • Create a website
  • Create course offerings
  • Track student progress
  • Manage subscriptions/payments
  • Run email marketing campaigns

One criticism Kajabi has is on its price. It is more expensive than other alternatives, but that’s okay. This eliminates the need to purchase expensive plug-ins and saves you time. You also have to figure out how to make the plug-ins seamlessly work together. This is time-consuming, expensive, and requires a lot of effort. All of which could be avoided under one single platform.

Good platforms think of what their users want and need. These platforms can be used to create sales pages, email your students, or do all kinds of marketing activities.

If you are a professional looking for ways to market your knowledge, Kajabi is the right choice. Kajabi is a powerful, all-in-one tool for creating, marketing and selling online courses.

Kajabi: A Beginner-Friendly Tool

Many great teachers don’t have the technology skills to share their knowledge online. The process can be complicated and confusing, even for those who are willing to learn. Kajabi creators created the platform so that it is accessible and easy to understand even for those with problems with computer work.

The platform utilizes a visual layout that makes it intuitive and super simple to use. Even without learning how to code, you will be able to create an online business in no time with Kajabi through its drag-and-drop editor.

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Almost “all-in-one”

Kajabi can be used for most things, with the exception of a few features that are still being developed by developers. As mentioned earlier, you would not need to spend a lot of time finding out which plug-ins or extensions work together well. Imagine, one update could cause these plug-ins to disrupt your business processes.

If you want to save yourself the headache, Kajabi already has excellent tools for creating landing pages and sales funnels and converting visitors into customers. This platform allows you to create courses and market them. You can provide coupons for discounts to entice your potential students, follow-up leads, and handle payments without leaving the Kajabi website.

Kajabi’s email marketing and funnel creations are a great fit for me as a busy entrepreneur. I could easily automate follow-up sequences, and it’s effortless to do too. Reviews For Kajabi

Overall, Kajabi fulfills more than other platforms can do with what it offers.

Tutorials

For people who are complete beginners, there could be some doubt on the truthfulness of this “easy-to-use” claim. But they will be pleasantly surprised to find out that it is indeed true.

Kajabi provides a lot to its users. First, the Kajabi Assistant Bar provides access to a lot of searchable tutorials. Just head to the top and enter any query. It will show you related tutorials.

Second, under the Kajabi University, you can check out a catalog of tutorials and videos to get you started with creating and developing your business. These topics include creating online courses, marketing on social media, setting up payments, and creating your product pages.

These tutorials come in both video and text format for your convenience.

Third, one unique feature about the onboarding process is the 28-day “Hero Challenge.” It is essentially a month-long crash course to help you get your website launched and your business making its first sale. This challenge will teach you everything about the platform and give you strategies to market your products.

If your queries aren’t answered, Kajabi has one of the best customer support out there. If you are a member of the Growth or Pro Plan you will have access to live chat support 24 hours a day. Customer chat support is only available during business hours for Basic Plans. Despite this, the support team responds very quickly. I have had no problems so far with their handling of things.

Lastly, there’s a rewards program in Kajabi that is designed to provide incentives for creators who reach their revenue levels and offers some exclusive perks.

Customer Support

If you have got a query that cannot be found in the Kajabi online guides, the next thing you can do is contact customer service. If you have any questions, they can help you. Reviews For Kajabi

The Growth and Pro Plan gives you access to the Kajabi customer service team 24/7 via live chat.

Although, if you opt for the Basic Plan, the staff will only be available on Mondays to Fridays from 9 am to 7 pm. It functions as a ticket system, but you will find an answer within the day. Even with this, they always reply promptly. They never take too long to reply.

If you’re not confident in your computer skills, the more expensive plans can be worth it. The other two Kajabi plans offer around-the-clock access to support, while the Basic Plan does not.

How to use Kajabi:

Creating a Class:

Kajabi’s course creation is quick, easy, and customizable. After you have given a name to your product, you will see “New Product” in the upper right corner of your screen. There are three pre-built product blueprints that can be used for different digital products. You also have the option to create a custom listing. Let’s go through them one by one:

  • Mini-course
    • Although it contains less material than the Online Courses, a mini-course is very easy to complete. This can be used to gauge customer interest as well as build your brand’s value.
  • Online course
    • From short workshops to seminars to lectures about your area of expertise, these are full-blown courses that your students can avail.
  • Evergreen Training
    • The Evergreen Course allows you to keep your product advertised and constantly making sales. Essentially, after you launch it, it will keep creating passive income for you. Marketing aside, this option allows you to trickle feed your content to your students and keep them interested.
  • Blank
    • If you’re an advanced user and want to fully customize your content, this is a good option for you.

Reviews For Kajabi

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To upload your courses, you can use Kajabi’s intuitive editor. These can be uploaded from your computer, Dropbox, or Google Drive.

Kajabi supports a wide variety of file types, so you can include videos, audio, pdf, and text documents in your lessons. Wistia offers video hosting for Kajabi. You can also upload bulk files. Reviews For Kajabi

How to Upload Your Content

Videos

Kajabi provides built-in streaming through Wistia as a video host. There will be an icon that you can spot immediately, and it will ask you to upload either a video or an assessment.

As mentioned earlier, you will be able to upload your videos in bulk without worrying about bandwidth. In all the Pricing Plans of Kajabi, you are provided with unlimited bandwidth. You can choose to upload from your computer, Dropbox, Google Drive, or by URL links. However, take note that it would not accept URLs from Youtube or Vimeo as the uploader looks for the file type in the URL.

Once your files have been uploaded, Kajabi can automatically transform these uploads into articles that you can edit later on. This eliminates the need to go through each post and upload videos one at a time.

Now, with Wistia as the video host, rest assured that alone makes your subscription worth it. A standalone Wistia subscription can set you back at $99 per month. If you take a look at the cost, with $20 more, you can already get Kajabi’s Basic Plan at $119/year with its features. This is a fantastic deal.

Assessments

Assessments are great tools to gauge student learning and engagement. Students can gauge their understanding of the material by seeing how they do with lessons. It can also aid in motivating them to work harder. This feature can be used to receive feedback from students on your products, and for content locking.

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It takes less than two minutes. Open the People tab in the Dashboard to create assessments. Select Assessments, then +New Assessment, and follow the prompt to start customizing.

A nifty feature is that when students do not fully succeed on the assessments, it can be set to automatically send out additional materials to help them.

Now there are some drawbacks. First, I have observed that the user cannot include both a video and an assessment under the same category.

Second, it does not allow users to randomize the questions or have question banks. Although, it does support assessments such as multiple-choice questions and paragraph-style questions.

Your students can also upload files for you to check through its assignment submission feature.

Photos

For your lessons, you can upload a poster photo. Pictures help to set the tone for your website and give your students a visual preview.

Click on the Pick File button to upload images.

Certificates

I would consider Kajabi as an almost “all-in-one” platform because of its inability to natively provide certificates to students who complete the courses. Kajabi allows creators to issue certificates of completion but they cannot be issued onsite.

These certificates can only be created using third-party services such as Canva, Google Slides and Accredible.

Personally, I do not mind this for my business, but some would find it a minor hassle.

Another thing, Kajabi does not indicate the amount of time spent studying the courses or any continuing education credit. This is a major problem for those who want to use eLearning to earn credit. I think that the Kajabi creators should highly consider this.

Downloads

Even if we call it online students, some do not necessarily stay online for the whole duration of the course. Some students download course materials and complete tasks offline. To make it easier for your students, Kajabi included this feature. This can be found in the Downloads section on the right side of the page.

Students will be able download any material that you have placed while they are in a lesson.

Body

You have the option to add a description, or even a transcript to your videos. Some students prefer to read transcripts rather than watching entire videos when they review.

If you choose to only add a description, it will help students know what the lesson is all about and what topics will be discussed in the video. Reviews For Kajabi

Student Interactions

Community

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With eLearning, it would be great for platforms to provide an avenue where students and members can engage with each other and discuss subjects in their course materials, similar to how they would do if they were in a traditional classroom setting. Some have used Facebook groups over the years. To join the group, you will need to be a member of Facebook.

You don’t need to leave Kajabi in order to interact with your students or with each other. Kajabi has a fully integrated feature called the Community. This is one of their student engagement tools.

Your Community can be protected with a paywall so that patrons have access. This Community will allow you to directly address student queries and give students the chance to do the same with each other.

Because you can make the Community available as a standalone product. Those who are not too keen on purchasing the entire course could just buy access to the discussions.

Organizing Your Topics

One problem that forums have is the lack of organization. It may be hard for both the creator and the students to keep track of specific topics. This is what I observed in a lot of Facebook groups. This makes it hard to listen to your audience and understand them.

Kajabi allows the administrator to organize and reorganize feeds. They can sort the posts by topic and also ‘pin’ specific posts for better viewability.

Overall, the Community feature is one advantage Kajabi has over its competitors. It is beneficial for entrepreneurs with an online course business.

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Content Access

Kajabi allows you to choose how your students will receive your courses. You can either allow them to receive all the classes and resources at once, drip-feed them on a schedule, or lock your content. The last one tends to increase student engagement as there is a requirement to finish the lesson first before accessing the next one. Reviews For Kajabi

Dripping Course Content

Instead of giving your students everything at once, drip-feeding your courses can be an option.

You can keep your students coming back to your page to see new content by drip-feeding it. Second, this will prevent them from jumping too far ahead and skipping possibly essential parts of your course.

Third, it is a valuable feature for when you decide on a membership type.

Content Locking

Content locking forces your student to finish a lesson before they can gain access to the next one. An assessment can be given at the end of lessons. You can increase their participation and keep track of how they understand the lesson material.

Course Analytics

Kajabi prides itself on providing the best tools to help entrepreneurs handle their business with the course analytics. What it does is create heatmaps and video stats. It will give you insights into which parts of your courses are performing well and which need to be improved.

It also provides information about your affiliates, students, sales transactions, and other relevant information that could help you optimize your products.

Play Rate

Play rate is a way to see how many people have viewed a particular video. Early on, I mentioned how some students opt to read the transcript of the video and download the course material rather than watching.

Average Engagement

The data you receive here is the average percentage of the whole video that your students watched. Since some students prefer to skip some segments of the video, you can get an idea of how well you can keep your students engaged in what you need to say.

Visual Engagement Viewer

This will create a graphic overlay for your video. This is a great feature for visual learners like me. Information presented in text blocks is not the best way to process it. I prefer having my data in graph form.

The Visual Engagement Viewer presents a report of your students’ engagement in specific points of the video. There is usually a downhill trend in which people stop watching the video at the beginning of the outro.

Viewer Heatmaps

Now just because your students opened your videos does not mean that they are watching them. They could have kept it running in the background while they do something else, in the guise of multi-tasking. Reviews For Kajabi

With the Viewer Heatmap, you can now check which segments of the viewers were not that interesting to your students and which parts they repeatedly watched. It could mean that these are parts that they found interesting or they found difficult. This meant that they needed to watch the video again to make sure they understood what was going on.

Kajabi can provide valuable analytic tools that will help you improve your content. The best thing to do with your data is to help you develop a strategy to guide your business decisions.

Blogging

Strong blogs can make a big difference in promoting your company. Current students can receive updates and more information about your products and services while new customers are introduced to them. Having a solid blog boosts traffic for you and generates leads that would transform visitors into potential students.

Admittedly, Kajabi has plenty to improve on in this feature. It is not on the same level as what you would have with something like WordPress. But still, the fact that you can place everything in one place without needing to exit Kajabi makes up for its shortcomings.

Basic HTML Know-How

It is unnecessary for you to code to build your website and customize most things in Kajabi; it is still a good idea.

You will need to learn basic programming to personalize your Kajabi blog’s photos. When you upload a photo on top of a blog post, it will show up in the recommended image size. Kajabi works with HTML. You would have to fiddle with HTML to change some of the dimensions. This isn’t too difficult. You can find many tutorials for basic coding by doing a quick internet search.

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Text wrapping is another thing you should be concerned about. You cannot edit the way the text wraps around a picture in the body of your blog unless you deal with the HTML.

Kajabi does not have an image bank. You would have to upload a photo you’ve used previously in another article. Hopefully, Kajabi will focus on these things in their subsequent updates.

Tagging

Kajabi has many great features. However, I find it frustrating that I can’t pick the tags I want to use in my posts. Unlike in other blogs where you can easily refer to previous tags, the tags themselves don’t appear even as suggestions when you type them down.

It can be a hassle to remember the tag you used, or to put it on a separate list for each blog post. Reviews For Kajabi

Marketing Tools

These are Kajabi’s most important support for its customers. Kajabi is built to sell. With so many marketing features, your business will be in safe hands. There are automation, pipelines and many other features. We will be discussing a few of these features in this section.

Pipelines

Kajabi has a pipeline built into platforms that will simplify sales and marketing. The name itself refers to Kajabi’s goal of transforming the same number of leads to the same number of paying customers. You can have three, fifteen or 100 pipelines depending on which Price Plan you choose.

Kajabi will provide you with a visual representation for your schematics. Editing is simple and intuitive. You can add videos, images and offers using the drag-and-drop editor. This will help you increase your conversion rates. If you do not know where to begin, suggestions are also provided.

Kajabi provides blueprints to help you start your pipelines. Your chosen blueprint will guide you through the setup of funnels, including landing pages, email automation, offers, and much more. This template was carefully crafted by Brendon Burchard, one of the world’s leading high-performance coaches.

With the Pipeline Stats feature, you can monitor the progress of your marketing plans and use it to evaluate the areas that are lagging. This feature allows you to see each page and email of the pipeline and data on your earnings per view.

Affiliate Program

A disclaimer here: the affiliate program is only available with the Growth and Pro Plans. Now, you and your partners can efficiently market your goods and with the program. You can now give your partners the agreed-upon affiliate commission much easier. You will have access to a private affiliate dashboard. It will allow you to see statistics about clicks and conversions as well as other relevant data that can be used to market your business.

Automation

Email Marketing

Kajabi is your business made easy. You can quickly launch email marketing campaigns depending on the schedules you have set. This feature allows you to decide on the sequence of the mails, add multiple emails to be sent out in the set sequence, and upsell additional offers. Templates are also available to fit your email’s purpose. This freedom is not available in many other options.

Let’s say a visitor adds a product to their cart, but they have not made a decision to buy. Kajabi can send them an email reminding them about your offer. With this, you do not have to manually track the number of sign-ups from your email campaign. Just relax and see the improvement in your conversion rates.

Of course, if you choose to use other email platforms, you will find that you have many options Kajabi can integrate with.

Marketing Partners

You can run your business under one platform, and Kajabi’s integrations help make that happen. Currently, Kajabi has 10 native integrations. To name a few, it has ConvertKit, Aweber, MailChimp, and Active Campaign. Reviews For Kajabi

How to Price Your Products

There are several factors that you need to consider when pricing your courses – time spent in planning the content and creating it, charging for your expertise, operational costs, and so on.

Kajabi provides a simple way to price your products once you have established the price. Click on the Offers tab to the left and select ‘Add New Offer’.

They can be sold individually or packaged together. Once you make a new deal, you will receive a prompt to enter the title offers, product, and cost. Now, you will only be able to choose one product, but there will be some options for you to choose from in terms of bundles and payment options on the following pages. You can also decide on the currency of your product’s price.

You have several options if you’re concerned about people not being financially able to pay for your course.

  • Free
  • One-time Payment
  • Multiple Payments
  • Recurring Payments

You can also generate coupon codes, bulk coupons codes and special offers to apply to your coupon from this page.

Payment Methods

Kajabi uses Stripe or Paypal to process payments. You will be able to customize checkout and create flexible payment options for your students. This comes with the convenience of not paying for transaction fees as Kajabi does not charge you. But, you do have to answer to the cost of its payment method partners.

Partnering with Paypal makes it easy to pay affiliates via Paypal Mass Pay. This includes an exported list of all sales.

Refunds are also made more straightforward. Kajabi makes it easy to request refunds from the site without leaving it.

Kajabi Pricing

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As mentioned earlier, Kajabi’s pricing can seem higher than other platforms. \Most people would probably hesitate to use the platform because of its price. 

Kajabi is a never-ending investment. Kajabi is not just a course-building platform. While pricing may be cheaper for other platforms, you may end up paying for three or more different tools for email services, blogs, and sales pipelines. All of these come with your Kajabi subscription. Prices are higher than competitors due to the large suite of tools. But, Kajabi still provides the best value for money out of all other platforms.

Unrestricted bandwidth, unlimited Wistia video hosting, and 0% transaction fees are included in all three pricing plans. It also has chat support and assessment features. 

To check how the plans differ, below is a thorough discussion of each pricing plan. Reviews For Kajabi

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Basic Plan

The lowest-priced plan starts at $149 monthly. If billed annually, you will only pay $119. 

The basic plan is the most affordable option. However, you are limited to having only 3 products, 1 website, 3 sales pipelines, and around a thousand members. The Kajabi logo branding will remain on all products. 

However, landing pages and marketing emails are unlimited. The Basic Plan might not contain some of the essential marketing tools you would like to use for your business. Despite Kajabi’s superb customer service, you’ll want to keep your questions to office hours. In contrast to the higher plans, who gets access to a live chat with customer care 24/7. 

Growth Plan

You can subscribe to this tier for $50 extra and get five times the number of courses. The monthly price is $199, but if you pay it annually, it will just be $159. 

Fortunately, though, even the basic pricing plan has a lot of features to play with. Most plans have the same basic suite of functions, but they scale according to the pricing plan. For example, the Basic plan only allows for 3 products and 3 pipelines, while the Growth plan allows for 15 products and 15 pipelines. As a result, when you purchase a higher-tier plan, you are not paying for new features, but rather for the expansion of existing ones. In addition, Kajabi does not charge a transaction fee for any sales made on the platform.

You can build new goods, pipelines, and members at the second level. White-labeling, affiliate marketing, and automation are just a few more reasons to acquire this plan. 

  • White-labelling – With this, you can remove Kajabi branding from your website and fully make it your own. 
  • Affiliate advertising – A popular online sales tactic. Through your affiliates, your products will receive a wider reach. Your affiliates will receive commissions for recommending your products to their audiences. 
  • Automation – As discussed earlier, automation makes it easier for you to follow up with your students. With this, the system automatically sends out the programmed response through a prompt. For example, if a student is lagging on assessments, you can set an automated response of an email with supplemental course materials for them. No need for you to keep track of their progress manually. 

We understand that you are not in the business solely to make money as a creator. You want your products to be worthwhile. This is beneficial from a business standpoint since if consumers are getting their money’s worth, they are more inclined to return for more. It’s a win-win situation for both parties. 

Pro Plan 

{This is the priciest plan Kajabi has to offer. But it does come with some pretty neat features. You can market up to 100 products, handle 3 sites and at most, have 20,000 members. Because of the number of courses you can market, you can have 25 admin users to help you manage. You also have access to round-the-clock customer support.|This is the most expensive plan offered by Kajabi. It does, however, have some interesting features. You can sell up to 100 products, manage three websites, and have a maximum of 20,000 members. You can have up to 25 admin users to assist you in regulating the amount of courses you can market. You also get access to customer service 24 hours a day, 7 days a week. 

These features plus all features you would enjoy from both Basic and Growth Plans are included. While there are unlimited landing pages, the advertising emails are limited to two million. 

Access to the Experts Academy is included as part of the Pro Plan. More information on how to sell your brand can be found there. Reviews For Kajabi

If you chose Kajabi’s Pro Plan, you could set billing monthly for $399 or yearly for $319. Take note, this is a massive investment that you would need to consider. Most big companies or those with a good amount of courses to sell choose this option. But if you are just starting or your business does not warrant the need for a Pro Plan yet, then I would suggest the other two plans. Just my two cents in. You would still get to enjoy a lot of what Kajabi has to offer on the budget you set. 

Moving to Kajabi

If you’re not new to course creation, you’ve probably utilized various platforms. It’s fantastic that you’re still researching company choices and looking for ways to improve. If you have decided to move to Kajabi, another concern would be how to move all of your data into the platform. 

Not to worry, though. Fortunately, you can simply import your members’ names and email using a .csv file. But, you can only do this 500 members at a time. So it would require you to do multiple importations if needed. 

Another thing to keep in mind is that owing to a security issue, your members will need to reset their passwords. This is excellent news for you and your colleagues. Kajabi is concerned about the safety of your company. This means that after the switch is done, other platforms will no longer have access to their information. 

Conclusion

For many creators, Kajabi is a popular choice, and it has a lot to offer for the price you choose to pay. It comes with exceptional customer service, a well-integrated system, and is extremely user-friendly. 

As stated earlier, Kajabi aims to help you streamline your business process in one site and make it profitable. With its many marketing features, it gives you the edge to push your products to new heights. 

Now that you’ve read this review, you have a better understanding of the advantages and disadvantages of using Kajabi. Overall, I believe Kajabi is an excellent tool for managing your business, from conception to marketing. Reviews For Kajabi

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Frequently Asked Questions: Reviews For Kajabi

  • What does Kajabi mean?

    • According to its founders, it is an aboriginal word that means “to take flight.” 
  • Is Kajabi free?

    • Currently, Kajabi does not offer a free plan. However, it provides a 14-day trial for you to try out its features. 
  • Is Kajabi worth the money?

    • This is dependent on your business requirements and how you can make the most of Kajabi’s features. Kajabi is well-known for being user-friendly and for having a number of built-in integrations that help streamline business processes. You also receive excellent support. 
  • Is Kajabi easy to use?

    • Yes. Kajabi is easy to use. In fact, because of this, thousands of course creators have it as their platform of choice. 
  • Is Kajabi accessible via a mobile app?

    • Yes. Your students have the convenience of accessing Kajabi via a mobile app. It is available in both iOS and Google Play. 
  • Can you use your domain? 

    • Yes. With a Basic Plan, you can create a custom domain with Kajabi’s branding (yourdomaintitle.kajabi.com). With the Growth and Pro Plans, you can opt to erase all traces of Kajabi’s branding and have a website solely focused on you. 
  • Does Kajabi have transaction fees?

    • No. There are no transaction fees, but you can still be subject to pay the standard Stripe merchant processing fee. 
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